If you perform a betterment, restoration or adaptation to the property then the cost for it must be depreciated over its useful life.

You will have to adapt to snow in winter.

My ideas and strategies began to evolve and adapt as I learned more and more.

So rather that looking at developers or private entities as those who "force families out" look at the governmental rules and regulations that developers are forced to adapt to.

To each their own, there's not a right or wrong way, everyone should have their own plans and risk tolerance, and be willing to adapt if needed.For Insurance - look up REIGuard out of Kansas City they're great for investment properties. 

As the landscape of the business changes, they don't keep up or adapt

I am confident I can learn and adapt in the management part.

It's us locals who have haven't to adapt to changing demographics and set views on appropriate price points. 

Anyone know a finance company that has adapted to this business model? 

No doubt this will close some doors for current incumbents, but will open up new opportunities for this capable of adapting...